Budget Mistakes: Post-Divorce Finances

Posted on by Robert J. Reeves

Having a good budget is important for your post-divorce finances. However, not everyone gets it right the first time. Making budget mistakes can really add some financial stress which you could’ve avoided. Therefore, it’s important to know what are some common ones, and how to fix them…

Budget Mistakes: Common Missteps

Forgetting what’s “essential”

When most people make their new budget, they want to focus on essential expenses. These are the things they know they’ll need, and have to make sure they have money for. Still, many people tend to forget what exactly counts as an essential and what is something they could go without, which is one of the more-common budget mistakes.

For instance, things like grocery shopping, utility bills, and rent/mortgage payments are all essentials. You will need to pay these things so you have food to eat and a roof over your head. Yet, you don’t need premium subscription services or streaming services. It might not seem like much, but that extra money can really make a difference.

Overestimating income

Another of the common budget mistakes has to do with income. For most people, their income is the money they can use on their expenses, and hopefully save up as well. The issue is that income isn’t the simple, straightforward number we tend to think that it is. Rather, they need to account for net income.

Net income is the amount of money you actually take home. After all, everyone has taxes and other deductions taken out of their paycheck. That’s going to limit the amount of money you’ll have to spend. Therefore, you need to plan around that net income instead.

Not seeking outside help

Budget mistakes can be troublesome, but they are also something you can fix. Sometimes, however, you might struggle to see what exactly you need to change. When this happens, you’ll want to avoid yet another mistake where you don’t get extra help.

Meeting with some kind of financial adviser can help you see what’s wrong and how to fix it. They will work with you to look at your budget, and make sure you understand what’s causing issues. Then, they’ll develop a plan to help you turn things around and make it finally work for your needs.

Controlling Spouse: Signs of Abuse

Posted on by Robert J. Reeves

One thing which is important to remember is that an abusive relationship doesn’t just have to be physical. Emotional abuse is very serious, and commonly comes in the form of a controlling spouse. Knowing some indicators of this attempted control can help you better see if they’re reflected in your own marriage…

Controlling Spouse: Potential Signs

Social isolation

One thing a controlling spouse might do is isolate you socially. People who try and control others are keen to try and limit their time spent with others. This is because they might be jealous, or worry others will threaten their control over you. Due to this, they’ll try and cut them out of your life.

This isolation can apply to both your friends and family. It might start off slowly, like with them getting annoyed when you go out with friends or see family. Eventually, it could escalate into them telling you that you can’t go out at all. When this starts happening, it’s a clear sign they’re trying to control you.

Manipulating emotions

A controlling spouse also tends to be emotionally manipulative. They may do this in a few different ways. One way is by constantly criticizing you in an effort to lower your self-esteem, while making acceptance conditional. For example, they may only give you praise when you do something specifically for them.

Guilt-tripping is also another way they might manipulate you. They’ll do this by making you feel guilty for things you do, even if they aren’t wrong or are outside of your control. If you feel emotionally beholden to them, then they can really begin to control you.

Privacy invasion

Privacy invasion is also something a controlling spouse will do. They want to keep tabs on what you’re doing at all times, leaving you with no sense of privacy. They could try and track your social media activity, or constantly call and text asking where you are. Sometimes, they may even go through your phone or computer when you aren’t looking.

Not only does this show their controlling nature, but it also shows they don’t trust you. Mutual trust is important for any relationship. A lack of trust, combined with this sort of control, indicates potential future problems.